To me, "gotten to" refers to opportunity. If you are asking if you had the opportunity to, then you certainly did. Further, you had, and have, the opportunity to borrow against that gain.It is not a gain that I have realized until I sell. How can I be taxed on something that hasn’t happened yet? For example, let’s say I put $15,000 into a fund, and over the course of a year and half, where I put that money gained value by 100%. Now those stocks that I purchased are worth $30,000. Have I gotten to take any of that money home?
As a matter of fact, you do get to claim it as a capital loss, offsetting other capital gains.No, not unless I sell. I should not be able to be taxed on that gain, until I sell those stocks and that money can actually hit my pocket, it’s actually liquid now. Heck, if I keep that money there and it crashes, and I lose all my money, do I get those taxes on “unrealized capital gains” back?
To my understanding, the stock purchases of the middle class are largely tied up in vehicles that don't get taxed at all until retirement (401Ks, IRAs, etc.), and this proposal doesn't change that.The whole thing is stupid, and the people it will hurt the most is the middle class.